Group disability insurance plans are covering a smaller percentage of U.S. workers this year than they were covering in 2010.

Hartford Financial Services Group Inc., Hartford (NYSE:HIG), has published that finding in a summary of results of a March survey of 1,000 U.S. adults ages 18 to 64.

The percentage of U.S. workers with long-term disability insurance seems to have dropped to 44%, from 47%, and the percentage with short-term disability insurance seems to have dropped to 49%, from 55%, Hartford says.

Disability insurance is clearly needed, because 92% of U.S. residents say they would have to make major lifestyle changes if they lost part of their family income for as little as 3 to 6 months, Hartford says.

- Allison Bell

Other disability insurance coverage from National Underwriter Life & Health: